pf-cash-flow — 13-Week Cash Flow Forecaster

A free alternative to Float ($708/yr) and Pulse ($348/yr) — 13-week cash flow forecasting with deep financial domain knowledge, scenario modeling, and professional DOCX reports.

Installation

1. Download the pf-cash-flow.plugin file
2. Open Claude Desktop and navigate to Settings > Plugins
3. Click Install Plugin and select the downloaded .plugin file
4. The plugin will be installed and available immediately

Note: All data stays local on your machine. No external API calls or cloud storage required.

What's New in v1.1 — Deep Domain Knowledge

Version 1.1 transforms pf-cash-flow from a generic forecasting tool into an professionally structured financial planning assistant backed by authoritative standards:

• New: Centralized Knowledge Base (cash-flow-kb) — ASC 230/IAS 7 standards, TMA 13-week forecast methodology, financial ratio frameworks, bank CSV parsing standards, scenario modeling best practices, and an 8-criteria quality scoring rubric
• Enhanced: Bank Import — Support expanded from 4 to 8 bank formats (added Capital One, US Bank, PNC, TD Bank), BOM handling, encoding fallback chain, categorization accuracy disclosure (65-75% per Plaid/Yodlee benchmarks)
• Enhanced: Forecast — Cash runway severity classification (Healthy/Caution/Warning/Critical/Crisis per VC/PE standards), TWCF presentation format, common error prevention checklist, all 5 mandatory disclaimers per SEC § 27A
• Enhanced: Scenario Modeling — McKinsey/BCG standard scenario ranges, stress test scenario option, decision triggers, sensitivity analysis ranked by SMB impact
• Enhanced: Report — Lender/stakeholder presentation format, liquidity ratio analysis, SMB benchmark comparison, severity-classified alerts, dual disclaimer placement (top + bottom)
• 22 iteration fixes across all skills documenting specific improvements

Commands

Command	Description
/cash-flow:setup	Initialize workspace — folders, dependencies, config with business profile
/cash-flow:import	Import bank CSV with auto-format detection for 8 major banks
/cash-flow:forecast	Generate 13-week rolling forecast (TWCF) with runway classification
/cash-flow:scenario	Create and compare scenarios (base/optimistic/pessimistic/stress/custom)
/cash-flow:report	Generate professional DOCX report for stakeholders/lenders
/cash-flow:full	Run complete pipeline: setup → import → forecast → scenario → report
/cash-flow:status	Show pipeline progress and workspace state
/cash-flow:kb	Look up cash flow and treasury domain knowledge

Skills

Skill	Enhancement in v1.1
cash-flow-setup	ASC 230 aligned categories, threshold guidance by business size, TWCF methodology reference
cash-flow-import	8 bank formats, BOM/encoding handling, accuracy disclosure, pending transaction filtering
cash-flow-forecast	TWCF standard format, runway severity categories, common error prevention, SEC disclaimers
cash-flow-scenario	McKinsey/BCG ranges, stress test option, decision triggers, sensitivity ranking
cash-flow-report	Lender format, financial ratios, SMB benchmarks, severity alerts, dual disclaimers
cash-flow-kb	NEW — Centralized domain knowledge base with 10 sections of authoritative references

Domain Knowledge Coverage

The knowledge base (KB) covers:

1. Cash flow statement standards (ASC 230, IAS 7)
2. 13-week cash flow forecast (TWCF) methodology per TMA & Alvarez & Marsal
3. Financial ratios — liquidity, efficiency, working capital cycle
4. Cash runway calculation and VC/PE severity categories
5. Bank CSV import standards for 8 major US banks
6. Scenario modeling per McKinsey/BCG best practices
7. Financial disclaimer requirements (SEC § 27A, FTC Act § 5)
8. 8-criteria quality scoring rubric
9. SMB cash flow benchmarks (US SBA/Federal Reserve data)
10. Domain glossary (16 terms)

Feature Comparison

Feature	pf-cash-flow v1.1	Float ($59/mo)	Pulse ($29/mo)
13-week forecast	Yes (TWCF standard)	Yes	Yes
Bank CSV import	8 banks auto-detect	Bank feeds (API)	Manual entry
Scenario modeling	4+ scenarios	3 scenarios	Basic
DOCX report	Yes (lender-ready)	PDF export	CSV export
Financial ratios	Yes (8 ratios)	No	No
Runway classification	Yes (5 categories)	Basic	Basic
Domain knowledge base	Yes (ASC 230, IAS 7)	No	No
React chart dashboard	Yes (Recharts)	Built-in charts	Basic charts
Price	Free	$708/yr	$348/yr

Version History

Version	Date	Theme
1.1	2026-03-15	Deep Domain Knowledge — ASC 230/IAS 7, TMA methodology, financial ratios, quality rubric
1.0	2026-03-14	Initial release — CSV import, forecast, scenarios, DOCX report

Getting Started

1. Install the plugin
2. Run /cash-flow:setup to configure your workspace
3. Drop your bank CSV export into the inbound/ folder
4. Run /cash-flow:import to import and categorize transactions
5. Run /cash-flow:forecast to generate your 13-week forecast
6. Run /cash-flow:scenario to explore what-if scenarios
7. Run /cash-flow:report to create a stakeholder-ready DOCX report

Or run /cash-flow:full to execute the entire pipeline in sequence.

Estimated Cost per Use

Disclaimer: Token estimates are approximate and based on typical usage patterns measured from skill prompt sizes. Actual costs vary with input data size, conversation length, and complexity. Estimates use Claude Sonnet 4.6 pricing ($3/1M input, $15/1M output). Cowork and Claude Desktop subscription users (Pro/Max/Team) are not charged per-token — these estimates apply only to direct Anthropic API usage. Running stages individually in fresh sessions uses fewer input tokens than running the full pipeline sequentially, because pipeline mode accumulates conversation history across stages.

Per skill (run individually in a fresh session):

Stage	Skill Prompt	User Input	Total Input	Output	Est. Cost
cash-flow-report	~3.8K	~800	~7.4K	~6.0K	~$0.11
cash-flow-import	~3.0K	~2.0K	~7.8K	~2.0K	~$0.05
cash-flow-scenario	~3.8K	~800	~7.4K	~3.8K	~$0.08
cash-flow-kb	~5.2K	~800	~8.8K	~5.2K	~$0.10
cash-flow-forecast	~4.6K	~800	~8.2K	~4.6K	~$0.09
Standalone total			~39.6K	~21.5K	~$0.44

Full pipeline (all stages in one session — context accumulates):

Stage	Base Input	+ History	Total Input	Output	Est. Cost
cash-flow-report	~7.6K	0	~7.6K	~6.0K	~$0.11
cash-flow-import	~8.0K	~6.8K	~14.8K	~2.0K	~$0.07
cash-flow-scenario	~7.6K	~10.8K	~18.4K	~3.8K	~$0.11
cash-flow-kb	~9.0K	~15.4K	~24.4K	~5.2K	~$0.15
cash-flow-forecast	~8.4K	~21.4K	~29.7K	~4.6K	~$0.16
Pipeline total			~94.9K	~21.5K	~$0.61

Running the full pipeline once typically costs $0.43–$0.79 in API tokens (Claude Sonnet 4.6).

Important Disclaimers

• AI-Generated Content: This plugin uses AI (LLM) technology which can produce inaccurate or incomplete outputs. All content should be treated as a starting point and reviewed for accuracy before use.
• Not Professional Advice: Outputs do not constitute legal, financial, tax, medical, or other professional advice. Consult qualified professionals before making decisions based on generated content.
• No Compliance Guarantee: References to industry standards, regulations, or guidelines are for informational purposes only. This plugin does not guarantee compliance with any law or regulation. Users are responsible for verifying all outputs meet their specific regulatory requirements.
• No Endorsement or Affiliation: Mention of third-party products, standards, or organizations does not imply endorsement, partnership, or certification by those entities.
• Not Financial or Tax Advice: Financial calculations, tax estimates, and related outputs are for informational purposes only. Consult a qualified CPA or financial advisor for tax and financial decisions.